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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $98,513 | $86,949+13.3% | $102,460-3.9% | $80,959+21.7% |
| Participation rate | 95.5% | 72.4%+23.1pp | 76.5%+18.9pp | 67.7%+27.8pp |
| Annual return | 13.77% | 18.89%-5.1pp | 29.47%-15.7pp | 35.67%-21.9pp |
| Employer contribution / active EE | $2,851 | $2,370+20.3% | $3,025-5.8% | $2,757+3.4% |
| Participant deferral / active EE | $6,195 | $4,121+50.3% | $5,056+22.5% | $4,300+44.1% |
| Admin fee / account holder | $16,474 | $8,048+104.7% | $9,460+74.1% | $6,925+137.9% |